Analysis of home loan activities at asia commercial joint stock thanh khe transaction office da nang

DUY TAN UNIVERSITY INTERNATIONAL SCHOOL FACULTY OF MANAGEMENT - VIETNAM ECONOMY (PSU)  GRADUATION THESIS TOPIC ANALYSIS OF HOME LOAN ACTIVITIES AT ASIA COMMERCIAL JOINT STOCK - THANH KHE TRANSACTION OFFICE - DA NANG Instructor : Ms Pham Minh Van Anh Students : Le Ngoc Tuong Vi Class : K25 PSU QNH Student code : 25202315440 Da Nang, 2023 DISCLAIMER I hereby declare that this is a graduate internship report of my own research All information, business processes and data presented in this report are true and reflect the business situation of Asia Commercial Joint Stock Bank - Da Nang Branch I take full responsibility for this pledge! Da Nang, Date…month… 2023 Students Le Ngoc Tuong Vi ACKNOWLEDGEMENTS With the knowledge that I have learned at Duy Tan University, in addition, to the dedicated guidance of the teachers in the International Training Department , I was able to complete my course In particular, I would like to thank the instructor Mr Pham Minh Van Anh for the past time, who has been dedicated and dedicated to sharing knowledge, experience and ideas about the content of the topic, inside and out Besides, she also helped me better understand what needs to be done to complete the thesis The school created maximum electricity, I was introduced to practice at the personal customer credit department of Asia Commercial Joint Stock Bank - Thanh Khe transaction office in Da Nang During my internship at the unit, I had the opportunity to connect with the knowledge I have learned at the school in recent years With the dedicated help of Customer Service Manager C, along with the staff and employees working at the internship unit and the guidance of Ms Pham Minh Van Anh, International Training Department - Duy Tan University has helped me build the internship report in the most comprehensive way Once again, I would like to thank everyone during the internship and the preparation of this graduation report Due to limited knowledge and inevitable shortcomings, I hope that you can give me suggestions so that I can improve further I am very grateful and sincerely appreciate this valuable help! Da Nang, day… month… 2023 Students Le Ngoc Tuong Vi TABLE OF CONTENTS ( MỤC LỤC) INTRODUCTION 1 Reasons for choosing a research topic Research Objectives Research questions Subject and Scope of Research Research Methods .2 Structure of the topic (Research Outline/Layout) CHAPTER THEORETICAL BASIS FOR HOME LOAN ACTIVITIES OF COMMERCIAL BANKS Theoretical basis for lending activities of commercial banks 1.1 The concept of lending activities of commercial banks 1.2 The role of commercial lending activities 1.3.3 Classification of commercial banks lending activities 1.3.1 For loan purposes 1.3.2 According to the loan term 1.3.3 According to the loan guarantee method .5 2.2.2.1 Loan to buy house - land 34 2.2.2.2 Construction loan – home repair 34 2.2.3 Housing loan process for science and technology at ACB – Thanh Khe Transaction Office 35 2.3 Analysis of housing lending activities for science and technology at ACB – Thanh Khe Transaction Office 37 2.3.1 General situation of housing lending activities for science and technology at ACB – Thanh Khe Transaction Office 37 2.3.2 The situation of lending activities according to the purpose of using capital 42 2.3.3.The situation of home loan activities according to the loan term of Thanh Khe Transaction Office 47 2.3.4 The situation of home loans by loan repayment method of Thanh Khe ACB Transaction Office 51 2.3.4 The situation of home loans under the guarantee method of Thanh Khe Transaction Office 56 2.4 General assessment of home loan activities for individual customer at ACB - Thanh Khe Transaction Office 59 2.4.1 Achievements of Thanh Khe Transaction Office ACB .59 2.4.2 Disadvantages in home loan activities of Thanh Khe PGD 61 CONCLUSION CHAPTER .66 CHAPTER SOLUTIONS TO COMPLETE HOUSING ACTIVITIES FOR SCIENCE AT ACB BANK – THANH KHI Transaction Office – DA NANG 67 3.1 Objectives and orientations of Thanh Khe Transaction Office ACB Bank 67 3.2 Solutions to complete home loan activities for science and technology at ACB - Thanh Khe Transaction Office 68 3.2.1 The main solution comes from Thanh Khe Transaction Office ACB 68 3.2.1.1 Solutions to complete home loans for low-income customers 68 3.2.1.2 Solutions to improve the prevention of bad debts, limit risks before and after buying a house 69 3.2.1.3 Promote marketing activities of Thanh Khe Transaction Office ACB 71 3.2.1.4 Improve professional qualifications, service style as well as professional ethics of ACB staff at Thanh Khe Transaction Office .73 3.2.1.5 Solution for information asymmetry from customers .74 3.2.1.6 Solutions on building a suitable interest rate base 75 3.2.2 Other solutions .77 3.2.2.1 Solutions for ACB Bank 77 CONCLUSION CHAPTER .81 CONCLUDE 82 BIBLIOGRAPHY 83 LIST OF TABLES BOARD TABLE NAME Table 2.1 The situation of capital raising activities period 2020– 2022 of ACB Transaction Office Thanh Khe Table 2.2 The situation of capital use in the period of 2020-2022 ACB Thanh Khe Transaction Office Table The Situation of business results in the period of 2020 2022 ACB Thanh Khe Transaction Office Table 2.4 Table 2.5 Table 2.6 Table 2.7 Table 2.8 The situation general of home loan activities in the period of 2020-2022 of Thanh Khe Transaction Office - ACB The situation of home loan activities according to the purpose of using capital in the period of 2020-2022 of Thanh Khe Transaction Office - ACB The situation of home loan activities according to the loan term for the period 2020-2022 of Thanh Khe Transaction Office - ACB The situation of home loan activities by loan repayment method for the period 2020-2022 of Thanh Khe Transaction Office - ACB The situation of home loan activities under the guarantee method for the period 2020-2022 of Thanh Khe Transaction Office - ACB PAGE LIST OF CHAPTERS Diagram Diagram 2.1 Diagram 2.2 Diagram name Chart of organizational structure of Thanh Khe Transaction Office Flowchart of the home loan process of Thanh Khe Transaction Office Page INTRODUCTION Reasons for choosing a research topic Along with the development and integration of the Vietnamese economy, the real estate market The property has had very active times, playing an important role in promoting socio-economic development However, the negative impact from the world financial crisis and the economic difficulties have made this market show many signs of instability and fall into a state of recession However, not every segment of the real estate market falls into this situation In fact, this situation opens up a new direction for the real estate market, which is the home loan segment This is a very promising investment channel because the demand is absolutely real and huge, and is identified as a key strategic program of the country at the moment Once this product segment develops well, it will certainly not only help the real estate market prosper but also have a positive impact on the whole economy The only problem is how to make this need come true? The answer to the above question must originate from the connection between the real estate market and the credit market Once a popular credit growth channel, the downturn in the real estate market has led to a narrowing of real estate lending activities at banks The new direction in the real estate market forces this activity to focus on the real demand for houses to live in from individuals And this is the cause of the new race of Vietnamese banks today Not out of the above trend, Asia Commercial Joint Stock Bank (ACB) - Thanh Khe Transaction Office is also paying close attention to this product segment If this credit activity is highly effective, it will not only help the bank understand the needs of the market, increase market competitiveness and profit Therefore, banks should promote and focus on the lending segment of individual customers to bring more benefits to the bank To learn, analyze and offer solutions for lending activities to buy houses of Science and Technology at Asia Commercial Joint Stock Bank Thanh Khe Transaction Office Therefore, I choose the topic "Analysis of home loan activities at Asia Commercial Joint Stock Bank - Thanh Khe Transaction Office, Da Nang Research Objectives Systematize the theories of bank lending in general and home loans for individual customers at commercial banks in particular Analyze and evaluate the effectiveness of home loan activities at ACB Commercial Joint Stock Bank - Thanh Khe Transaction Office, Da Nang Recommendations and solutions to improve the efficiency of home loan activities at ACB Commercial Joint Stock Bank - Thanh Khe Transaction Office, Da Nang Research questions Realizing home loan activities of Asia Commercial Joint Stock Bank at Thanh Khe Transaction Office - Da Nang ? Solutions to improve the efficiency of home loan activities at Asia Commercial Joint Stock Bank, Thanh Khe Transaction Office - Da Nang ? Subject and Scope of Research The object of lending activities are individual customers at ACB Commercial Joint Stock Bank - Thanh Khe Transaction Office Research scope at ACB - Thanh Khe Da Nang Transaction Office in the period of 2020 - 2022 Research Methods The research method is based on quantitative methods, analytical and synthesis methods The research data source is based on data provided from ACB Bank - Thanh Khe Transaction Office and legal regulations in Vietnam Structure of the topic (Research Outline/Layout) Chapter 1: Theoretical basis of commercial banks' home loan activities Chapter 2: Actual situation of home loan activities of ACB - Thanh Khe Da Nang Transaction Office Chapter 3: Solutions to improve home loan activities for science and technology at ACB - Thanh Khe Transaction Office